Author: Paul Mankin

by Paul Mankin

Stop Harassing Phone Calls from Lane Bryant Credit Card

Is Comenity Bank calling you about your Lane Bryant credit card? Do they call at all hours of the day and night? Have you asked them to stop, but they continue? If you are being harassed by Comenity Bank about your Lane Bryant account, you may be able to get damages to compensate you.  

If you think Comenity Bank, Lane Bryant, or another creditor has violated your rights, you should contact Law Office of Paul Mankin, APC right away. Attorney Mankin spends his time focusing on protecting consumers who have been the target of unsavory creditors like Comenity Bank. He can help you. Call today at 800-219-3577 to schedule a consultation.

You Have Rights Even If You Are Behind on Payments

You may have fallen behind on making payments on your Lane Bryant account. Even if this is the case, you have rights under state and federal laws, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Comenity Bank cannot:

• Use harassing, abusive, or obscene language when they call you
• Threaten you with violence
• Make an unreasonable number of phone calls
• Lie about the legal status of your debt
• Threaten a lawsuit if one is not pending
• Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Inform an unauthorized party about your debt

Despite these protections, many companies like Comenity Bank violate the TCPA, FDCPA, RFDCPA, and other regulations on a daily basis. In fact, the Federal Trade Commission (FTC) receives more than 200,000 complaints per year about debt collection and harassment by creditors.

If Comenity Bank has used any of these tactics against you, you should immediately contact a debt defense lawyer who can help you understand your rights. Call attorney Paul Mankin today at 800-219-3577 to schedule a consultation of your case.

What Is the FDCPA?

The Fair Debt Collection Practices Act (FDCPA) is a law regulated by the Federal Trade Commission (FTC). It became effective in 1978. Its goal is to stop abusive, deceptive, and unfair debt collection practices by many creditors, including Comenity Bank. Under the FDCPA, you can get monetary damages if a creditor violates the law and acts in a harassing manner.

What Is the RFDCPA?

The Rosenthal Fair Debt Collection Practices Act is a California law that protects consumers in the state. Its purpose is to ensure debt collectors act with fairness and honesty while respecting the rights of debtors. The RFDCPA supports the same rights as the FDCPA, but expands the ability to recover compensation for losses like emotional distress.

What Is the TCPA?

Congress passed the Telephone Consumer Protection Act (TCPA) in 1991. It amended the Communications Act of 1934. Its purpose is to stop harassing calls from telephone marketers like Comenity Bank and Lane Bryant credit card.

The TCPA gives the Federal Communications Commission (FCC), a government agency, regulatory authority under the statute. Under the law, the FCC may implement regulations and coordinate a national Do-Not-Call registry that covers nearly all telemarketers.

Who Is Lane Bryant?

Lane Bryant is a women’s clothing store chain that targets plus-size individuals. It is based in the United States and currently has nearly 500 stores in 46 states. Their main products include shirts, shorts, pants, dresses, and other apparel, including intimates and athleisure for plus size feminine people.

Why Is Comenity Bank Calling Me About My Lane Bryant Account?

The Lane Bryant store credit card is actually a Comenity Bank line of credit. Your Lane Bryan account is managed by Comenity Bank. If you fall behind on payments or don’t pay the total amount due on time, Comenity Bank may call you to try to get the money they feel you owe.

Comenity Bank is known for harassing phone calls. They often do not comply with requests to stop calling your home or work phone number. This is illegal and they may owe you damages if they break the law.

How Is Comenity Bank and Lane Bryant Violating the Law?

In addition to harassing consumers, Comenity Bank partners with third party debt collection agencies who continue to violate the law. Some key parts of the TCPA that third party debt collection agencies and Comenity Bank are violating include:

• Failure to honor a “Do Not Call” request
• Sending unsolicited advertisements by auto-dialer without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves on a call

Some of the calls are made by so-called “auto-dialers” or “robocallers” which includes a prerecorded voice message. You may not even have the opportunity to confirm information with the individual on the phone. You also cannot opt out or request to be placed on their do not call list. This is illegal and Comenity should be held accountable for breaking the law.

How Much Money Is My Debt Harassment Case Worth Against Lane Bryant’s Credit Card?

You can sue a debt collector like Comenity for harassing calls about your Lane Bryant account. The amount of money you can get depends on the severity of violation of the law, including how many times they have taken illegal actions.

Under the FDCPA, you can get up to $1,000 in damages along with court costs and attorney fees. However, under the RFDCPA, you may be able to get even more. Some debt harassment cases in California have awarded as much as $300,000 in compensation for emotional distress caused by the illegal tactics of creditors.

When you file a debt harassment lawsuit under the FDCPA, you do not have to pay legal fees if you win. Instead, the defendant who violated the law will typically pay for your court costs and attorney fees.

A Lane Bryant Credit Card Harassment Lawyer Can Help

If you have a Lane Bryant credit card and have been receiving harassing calls from Comenity Bank or a third party, then you may be eligible to receive damages. You have rights, even if you have fallen behind on payments. Don’t let them take advantage of you.

We can help you stop the harassing phone calls and get money to compensate you for the stress you’ve endured.

Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a consultation of your case.

by Paul Mankin

Stop DSW Credit Card Harassment Today

Are you getting harassed over past due DSW credit card payments? You should know that you have rights even if you’ve fallen behind. DSW and Comenity Bank often violate those rights. If they do, they may owe you compensation for creditor harassment.

If DSW, Comentiy Capital Bank, or their third-party debt collectors are harassing you, you should immediately contact Law Office of Paul Mankin, APC. He will review your case and help you decide how to relieve the stress caused by constant calls from creditors. Call today at 800-219-3577.

Your Rights Against Credit Card Harassment by DSW Credit Card

Credit card debt is stressful, especially if creditors are calling you day and night. However, there are state and federal laws that protect consumers from harassment and other unsavory behavior by creditors. The Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) provide you with protections against creditors like DSW and Comenity Bank.

When collecting a debt, Comenity Bank may not:

• Use harassing, abusive, or obscene language when they call you
• Threaten you with violence
• Make an unreasonable number of phone calls
• Lie about the legal status of your debt
• Threaten a lawsuit if one is not pending
• Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Inform an unauthorized party about your debt

Your rights are clear. Despite this, companies like Comenity Bank and DSW collection agencies violate the TCPA, FDCPA, RFDCPA, and other regulations. The Federal Trade Commission (FTC) reported that they receive more than 200,000 complaints annually from consumers about debt harassment and rights violations.

If DSW credit card or Comenity Bank violated your consumer rights, you should immediately contact a debtor defense lawyer. Attorney Paul Mankin fights for his clients and helps them get the compensation they deserve. Call 800-219-3577 for a debt harassment case consultation.

The FDCPA Protects Consumers Against Harassment

The Fair Debt Collection Practices Act (FDCPA) regulates the actions of creditors, prohibiting abusive, deceptive, and unfair debt collection. Violations of this law should be reported to the Federal Trade Commission (FTC). Creditors like Comenity Bank have had to pay compensation to consumers under the FDCPA for their harassment and violation of consumer rights.

The RFDCPA Prohibits Debtor Harassment in California

The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California law that prohibits harassment of consumers. It was enacted to force creditors to act with fairness and honesty. Creditors are expected to respect debtor rights, even if they are owed money. The RFDCPA allows consumers to collect compensation if they have been harassed. It also allows damages for emotional distress.

The TCPA Regulates Telephone Marketer Actions

The Telephone Consumer Protection Act (TCPA) is a federal law that prohibits violation of the public’s rights by telephone marketers like Comenity Bank and DSW. The Federal Communications Commission (FCC) makes relevant regulations under this law to protect consumer rights. It also manages a Do-Not-Call registry that must be respected by telemarketers.

Why Is Comenity Bank Calling Me About My DSW Credit Card?

DSW, which is often called Designer Shoe Warehouse, offers shoe brands for the entire family. They have nearly 550 stores in the United States and Canada. DSW is a branch of Designer Brands, which also operates Camuto Group and The Shoe Company/Shoe Warehouse.

The DSW credit card is a line of credit managed by Comenity Capital Bank, which handles all payments and collections of debt. If you don’t make a payment, Comenity will attempt to collect the debt or they will engage a third-party collection agency to call you.

Comenity Bank and their third-party collectors often violate consumer rights by using harassing tactics. They violate state and federal laws, and they can be held accountable by paying you monetary damages.

Consumer Rights Often Violated by DSW Credit Card

DSW credit card debt is collected by Comenity Capital Bank and their third-party collectors. Those entities often violate state and federal laws. Some of the most common illegal actions taken by Comenity include:

• Failure to honor a “Do Not Call” request
• Sending unsolicited advertisements by auto-dialer without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves on a call

Comenity Bank and other debt collectors may use “auto-dialers” or “robocallers” to communicate with debtors. If you receive a phone call that begins with a voice message or automated message, it’s likely a robocall. You may be transferred to a live person. However, you’re not likely to receive an option to opt out of these calls. Robocalls are often used to harass when they occur repeatedly day and night.

How Much Money Can I Get If I Sue DSW Credit Card?

If Comenity Bank and third-party collection agencies violated your consumer rights, then you may be able to get compensation. State and federal laws allow you to get money; however, the exact amount depends on several factors, including:

• The severity of law violations
• Times laws were violated
• Your specific damages

You can get $1,000 in statutory damages (as determined by the law) under the FDCPA for debtor harassment. The FDCPA also allow you to get money for attorney fees and court costs. California’s RFDCPA also allows you to collect compensation for statutory damages, legal fees, and emotional distress. In fact, some consumers whose rights were violated have received as much as $300,000 in damages for emotional distress.

The defendants in your debtor harassment case are required to pay for your attorney fees and legal costs. That means you won’t have to pay for the case when you win.

Contact a DSW Credit Card Harassment Lawyer

You have rights that DSW, Comenity Bank, and debt collection agencies must respect. If they do not, you can get compensation for your stress and other damages. However, these cases can be difficult, and the defendants will fight back.

You should contact a debtor defense lawyer if you’re being harassed, or you think your consumer rights have been violated. Attorney Paul Mankin is here to listen to your story and help. Call Law Office of Paul Mankin, APC at 800-219-3577 to get solid legal advice about your past due credit cards.

by Paul Mankin

Make the Harassing Phone Calls from Comenity Bank Children’s Place Credit Card Stop

You likely applied for a Children’s Place credit card to cover purchases for your loved ones. Now you may be behind on payments and receiving calls from the creditor day and night. Have you asked them to stop, but they continue? You have rights. You may be eligible for monetary compensation due to creditor harassment.

If Children’s Place credit card or their account manager Comentiy Bank is harassing you, you should immediately contact Law Office of Paul Mankin, APC. These companies will try to take advantage of you and violate your rights. Call today at 800-219-3577 for a case consultation.

Consumer Rights Against Harassment by Children’s Place Credit Card

Debt can cause a lot of stress, especially if you get behind. You don’t need the creditor harassing you constantly. There are state and federal laws that protect you, even if you have fallen behind. The Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) work to protect consumers from creditors like Comenity Bank and Children’s Place credit card.

It is illegal for Comenity Bank to:

• Use harassing, abusive, or obscene language when they call you
• Threaten you with violence
• Make an unreasonable number of phone calls
• Lie about the legal status of your debt
• Threaten a lawsuit if one is not pending
• Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Inform an unauthorized party about your debt

Consumer protection laws make it clear that you have rights. However, companies like Comenity Bank and third-party collectors consistently violate the TCPA, FDCPA, RFDCPA, and other regulations all the time. In fact, there are more than 200,000 complaints to the Federal Trade Commission (FTC) every year about harassment and unfair treatment by creditors.

If your creditor rights have been violated by Children’s Place or Comenity bank, you should contact a debtor defense lawyer right away. Attorney Paul Mankin is ready to fight for you. Call 800-219-3577 for a consultation of your specific case.

How Does the FDCPA Protect Consumers?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates creditors. Violations of consumer rights should be reported to the Federal Trade Commission (FTC). This law prohibits abusive, deceptive, and unfair debt collection by creditors like Comenity Bank. The FDCPA does allow consumers to get monetary compensation if you are being harassed by a creditor or your rights are otherwise being violated.

California’s RFDCPA Also Protects Consumers

The Rosenthal Fair Debt Collection Practices Act (RFDCPA) was enacted by California lawmakers to protect consumers. It imposes restrictions on creditors and works to make them act with fairness and honesty. The goal is respect for debtor rights. The RFDCPA also allows damages for debtors who have been harassed. However, it expands the ability to get compensation for emotional distress.

Telephone Marketers Must Comply With the TCPA

The Telephone Consumer Protection Act (TCPA) prohibits harassing behavior from telephone marketers, including Comenity Bank and GameStop in some cases. The Federal Communications Commission (FCC) has authority under the TCPA to make regulations protecting consumers’ rights. It also allows the federal agency to organize a Do-Not-Call registry that must be followed by telemarketers.

Children’s Place Offers Credit Cards Through Comenity Bank

The Children’s Place is one of several brand names that may accept the Children’s Place credit card, including PJ Place, Gymboree and Sugar & Jade. These companies sell clothing for babies, toddlers, and young children. They’ve recently expanded to providing some coordinating adult clothing.

The Children’s Place credit card is a line of credit offered by Comenity Bank. Your account is not handled by the store at all. Instead Comenity Capital Bank manages all payments and collections of debt. If you fall behind or don’t make a full payment on time, then the bank or a third-party collector may call you to get money they think you owe.

Comenity Bank is known for using harassing tactics to collect debts for The Children’s Place credit card. They do not always follow consumer protection laws. The debt collection practices Comenity Bank uses are often illegal and they may owe you monetary damages if they violate your rights.

Consumer Rights Violated by The Children’s Place Credit Card

The Children’s Place credit card debt is collected by Comenity Bank and third-party collectors. These entities often violate state and federal laws by harassing debtors. Some of the illegal actions taken by Comenity Bank and others include:

• Failure to honor a “Do Not Call” request
• Sending unsolicited advertisements by auto-dialer without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves on a call

Debt collector calls may be made by “auto-dialers” or “robocallers.” If you answer the phone and there is a recorded voice message or automated message on the line, it’s likely a robocall. You may be given the option to transfer to a live person; however, it’s not likely you will be allowed to opt out of those calls. You may continue to receive them repeatedly in a harassing manner – at home and at work. Comenity should be held accountable for breaking the law.

What Is My Debtor Harassment Case Worth Against Children’s Place?

You may be able to collect compensation against Comenity Bank and their third-party collection agencies. If you’ve been harassed or your rights were otherwise violated, you can get monetary compensation under state and federal laws. The exact value of your case depends on the severity of law violations, times the law was violated, and your damages.

The FDCPA allows you to collect up to $1,000 as well as court costs and attorney fees in cases like these. However, you may be able to get even more under the RFDCPA. California’s consumer protection laws allow you to get money for emotional distress caused by the creditors. In some cases, debtors have been awarded up to $300,000.

When you win a debtor harassment case, you don’t have to pay legal fees. The defendants will pay your attorney fees and court costs.

A Children’s Place Credit Card Harassment Lawyer Can Help

If you’re being harassed by The Children’s Place credit card, Comenity Bank, or their third-party collection agencies, you should contact a debtor defense lawyer to protect your rights. You may be able to get money to compensate you for damages and emotional distress.

Attorney Paul Mankin will compassionately listen to your situation and make the calls stop. Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation with a legal professional.

by Paul Mankin

How You Can Stop Harassing Phone Calls About Your Forever 21 Account

Are you past due on your Forever 21 credit card account? If so, you may be receiving debt collection calls from Comenity Bank or one of their third-party agencies. If you ask them to stop and they continue, you may be able to get compensation for their debtor harassment.

Forever 21, Comneity Bank, and their debt collection agencies are known to harass consumers and violate state and federal laws. If you’re receiving repetitive calls from these entities, you should immediately contact Law Office of Paul Mankin, APC. Call our debt defense lawyers at 800-219-3577 to schedule a case consultation.

Attorney Paul Mankin Will Protect Your Rights

Credit card debt can cause significant stress. You don’t need the creditor calling day and night to harass you. There are state and federal laws that protection consumers’ rights, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Debt collectors like Forever 21 and Comenity Bank are not allowed to:

• Use harassing, abusive, or obscene language when they call you
• Threaten you with violence
• Make an unreasonable number of phone calls
• Lie about the legal status of your debt
• Threaten a lawsuit if one is not pending
• Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Inform an unauthorized party about your debt

Despite these laws, Comenity Bank and their third-party collection agencies are known to violate the TCPA, FDCPA, RFDCPA, and other regulations. In fact, the Federal Trade Commission (FTC) reported that consumers make more than 200,000 complaints annually about debt collection tactics and harassment by creditors.

If your rights have been violated regarding your Forever 21 account, you should immediately contact a consumer rights attorney who can provide you with solid legal advice. Attorney Paul Mankin is a trusted negotiator and litigator who will stand up for you. Call 800-219-3577 to schedule a case consultation.

Protecting You Against Harassment with the FDCPA

Attorney Paul Mankin knows how to use the Fair Debt Collection Practices Act (FDCPA) to get compensation for his clients. This law protects consumers against abusive, deceptive, and unfair debt collection practices by creditors like Forever 21 and Comenity Bank. Violations of this law should be reported to the FTC.

California’s RFDCPA Allows You to Get Even More Compensation

California’s consumer protection law, the Rosenthal Fair Debt Collection Practices Act (RFDCPA), focuses on making debt collectors respect the rights of debtors by acting with fairness and honesty. This law allows for damages similar to federal laws; however, it expands the ability to collect money for emotional distress.

The TCPA Prohibits Harassment in Telephone Marketing

In some cases, the Telephone Consumer Protection Act (TCPA) may apply to creditors like Comenity Bank. This federal law prohibits telephone marketers from harassing consumers. The Federal Communications Commission (FCC) has authority under the TCPA to implement regulations regarding telemarketers. It also allows the FCC to coordinate a national Do-Not-Call registry.

What Is Forever 21?

Forever 21 is one of the largest retail stores in the United States. They sell clothing focused on the whole family, including shoes and accessories. Forever 21 has more than 540 locations globally, and consumers can also shop online.

Why Is Comenity Bank Calling Me About My Forever 21 Account?

The Forever 21 credit card, also called Forever Rewarded, is actually a line of credit offered by Comenity Capital Bank, which is part of Bread Financial. When you fall behind on Forever 21 payments, Comenity Bank will try to collect that debt by calling you and sending letters via mail. Comenity Bank may also use third-party collection agencies to collect debts on their behalf.

Comenity Bank and the third-party collectors they use often harass consumers in an attempt to collect a debt. They may continue to call you after you request that they stop, or they may threaten legal action without actually intending on filing a lawsuit. These tactics are illegal, and Comenity Bank may owe you money if they violate your consumer rights.

How Do Comenity Bank and Forever 21 Violate Consumer Protection Laws?

Comenity Bank and Forever 21 are required to comply with state and federal laws when collecting a debt. Even if you are behind on payments, you have rights that should be respected. Some regulations Comenity Bank frequently violates include:

• Failure to honor a “Do Not Call” request
• Sending unsolicited advertisements by auto-dialer without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves on a call

These debt collectors may use “auto-dialers” or “robocallers” to contact you. If you answer the phone and hear a voice message or recorded statement, then it’s likely a robocall. You will not likely be given an opportunity to opt out of those auto-dialed calls. Comenity Bank’s illegal practices are violations of your rights, and they should be held accountable.

Can I Get Money If Comenity Bank and Forever 21 Violated My Rights?

If your rights have been violated by Comenity Bank and Forever 21 credit card, then you may be able to get compensation. The exact value of your case depends on several factors, including:

• Severity of violation of the law
• How many times they have acted illegally
• Your actual damages

You can get up to $1,000 for debtor harassment under the FDCPA. The defendants will also have to pay your attorney fees and court costs under federal law. California’s RFDCPA can help you get even more for emotional distress. Some cases in California have resulted in damages of up to $300,000 for consumers who were harassed by creditors.

Are you worried about how much a debtor defense attorney costs? You won’t have to pay legal fees in a debt harassment lawsuit when you win. Instead, the defendant creditor is required to pay for attorney fees and court costs.

A Forever 21 Credit Card Harassment Lawyer Can Help You

Have you fallen behind on your Forever 21 credit card account? Is Comenity Bank or a third-party collection agency harassing you? You may be able to get compensation for your damages and the stress you’ve endured.

Attorney Paul Mankin can help you make the phone calls and harassment stop. Find out how a debt harassment lawyer can help you get the compensation you need to move forward.

Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation.

by Paul Mankin

How to Stop Harassing Phone Calls from GameStop Credit Card

If you have a GameStop credit card and Comenity Bank is calling you day and night, you may be able to get damages to compensate you. Have you asked them to stop, but they continue to harass? Even if you are behind on payments, you have rights.

If Comenity Bank, GameStop, or another creditor is harassing you or otherwise violating your rights, you should immediately contact Law Office of Paul Mankin, APC. We know that companies like Comenity Bank try to take advantage of people like you. Call today at 800-219-3577 to schedule a consultation.

Your Legal Rights When GameStop is Harassing You

Being in debt is hard enough without a creditor constantly harassing you. You’re likely stressed out and unsure about your rights. There are state and federal laws that protect consumers like you, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Comenity Bank is not permitted to:

• Use harassing, abusive, or obscene language when they call you
• Threaten you with violence
• Make an unreasonable number of phone calls
• Lie about the legal status of your debt
• Threaten a lawsuit if one is not pending
• Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Inform an unauthorized party about your debt

Although consumer protection laws are clear, companies like Comenity Bank and their third-party collectors violate the TCPA, FDCPA, RFDCPA, and other regulations all the time. According to the Federal Trade Commission (FTC), every year more than 200,000 people complain about debt collection and harassment by creditors.

If you’ve received calls about your GameStop PowerUp Rewards Credit Card and Comenity Bank is harassing you, you should immediately contact a debtor defense lawyer. Attorney Paul Mankin is here to help you understand your rights. Call 800-219-3577 to schedule a case consultation.

The FDCPA Protects You Against Harassment

The Fair Debt Collection Practices Act (FDCPA) is a federal law overseen by the Federal Trade Commission (FTC). Violations of its regulations should be reported to the FTC. The FDCPA works to stop abusive, deceptive, and unfair debt collection practices by creditors like Comenity Bank. Under the FDCPA, you can get monetary damages if a creditor is harassing you or otherwise violating the law.

State Laws Protect You Also: The RFDCPA

The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California law that imposes restrictions on creditors. It attempts to make debt collectors act with fairness and honesty in order to respect the rights of debtors. The RFDCPA allows for damages in a similar manner as the FDCPA; however, it also expands the ability to collect compensation for emotional distress.

Telephone Marketers Are Guided By the TCPA

The Telephone Consumer Protection Act (TCPA) works to stop harassing phone calls from telephone marketers, which may include Comenity Bank and the GameStop credit card. This federal law gives the Federal Communications Commission (FCC) authority to implement regulations addressing the rights of consumers. It also allows for the coordination of a national Do-Not-Call registry that applies to nearly all telemarketers.

About the GameStop PowerUp Rewards Credit Card

The GameStop credit card allows consumers to shop in-store and online with credit so that they can pay over time. If a consumer purchases multiple items in an order, each shipment created may result in a separate credit plan with minimum purchase requirements and individual interest charges. The credit card also offers PowerUp Rewards, which issues credits or points that can be used for future purchases. The GameStop PowerUp Rewards credit card is issued by Comenity Capital Bank.

Why Is Comenity Bank Calling Me About My GameStop Account?

You might think you have a credit card form GameStop, but in reality, it is a store-specific line of credit issued by Comenity Bank. Your GameStop account is managed by Comenity Capital Bank. If you fall behind or don’t pay the total amount due on time, Comenity Bank may call you to get the money they feel you owe.

Comenity Bank and their third party collectors are known for using harassing tactics to collect on past due accounts. They may not comply with your requests to stop calling at work or to communicate with you via mail only. These practices are illegal, and they may owe you damages if they violate your rights.

Comentiy Bank and GameStop Credit Card Frequently Violate Laws

Comenity Bank often partners with third party debt collection agencies to attempt to collect a debt. Both entities frequently violate state and federal laws. Some key parts of these regulations that Comenity Bank violates include:

• Failure to honor a “Do Not Call” request
• Sending unsolicited advertisements by auto-dialer without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves on a call

Some of these calls are made by “auto-dialers” or “robocallers.” If you receive a call with an voice message or recorded statement, it’s likely an automated call. You may be transferred to a real person. However, in some situations, you are not given an option to confirm information with an individual on the phone. Additionally, you are not likely given an option to opt out of these calls or be placed on their do not call list. These are illegal tactics and Comenity Bank should be held accountable for breaking the law.

How Much Can I Get for My Harassment Case Against GameStop Credit Card?

You can sue Comenity Bank and their third-party collectors for harassing you about your GameStop credit account. The value of your case depends on several factors, including:

• Severity of violation of the law
• How many times they have acted illegally
• Your actual damages

Under the FDCPA, you can get up to $1,000, court costs, and attorney fees for a creditor harassment case. However, California’s RFDCPA may allow you to get even more. Some cases have resulted in damages of up to $300,000 for emotional distress caused by the creditors’ violations of consumer rights.

You don’t have to pay legal fees in a debt harassment lawsuit if you win. Instead, the defendant creditor will have to pay court costs and attorney expenses.

A GameStop Credit Card Harassment Lawyer Can Help You

If you have a GameStop credit card and Comenity Bank or a third-party collection agency have been harassing you, then you may be able to get financial compensation. You have rights, even if you are not up to date on your account.

Attorney Paul Mankin can help you stop the harassing phone calls and get money for the stress you’ve faced.

Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation.

by Paul Mankin

Are You Getting Harassing Calls About Your Fullbeauty Credit Card Debt?

Are you past due on your Fullbeauty credit card account? The frequent calls from Comenity Bank and debt collectors may rise above the level of annoyance. These companies are known for harassing consumers and violating their rights in an attempt to collect a debt.

If your consumer rights have been violated by Fullbeauty or Comenity Capital Bank, you may be able to collect compensation for your damages. Attorney Paul Mankin can help you stop the calls and move forward with life. Call the debt harassment lawyer at Law Office of Paul Mankin, APC at 800-219-3577 for a case consultation.

You Have Rights Against Creditor Harassment

Debt collectors may harass and abuse you in many ways. Their unfair treatment causes unnecessary stress that violates your consumer rights. There are state and federal laws that protect debtors like you, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Fullbeauty credit card, Comenity Bank, and other debt collectors may not:

• Use harassing, abusive, or obscene language when they call you
• Threaten you with violence
• Make an unreasonable number of phone calls
• Lie about the legal status of your debt
• Threaten a lawsuit if one is not pending
• Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Inform an unauthorized party about your debt

If these regulations are violated, then Comenity Bank may have to pay you money for your damages. The company is frequently sued for violating the TCPA, FDCPA, RFDCPA, and other regulations. Other debt collectors do too. In fact, the Federal Trade Commission (FTC) reports more than 200,000 complaints annually by consumers who were harassed by creditors.

Attorney Paul Mankin is a compassionate debtor defense attorney who protects consumers whose rights have been violated. If you’ve faced creditor harassment, call attorney Mankin today at 800-219-3577 for a case consultation.

Federal Consumer Rights Protections Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers. It prohibits abusive, deceptive, and unfair debt collection activities by creditors like Fullbeauty and Comenity Bank. Violations of the FDCPA should be reported to the FTC. Consumers who are harassed may be able to get compensation for their damages.

The RFDCPA Allows Consumers to Collect Compensation for Harassment

The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California law that allows consumers who have been harassed to collect even more compensation than federal law provides. Under this law, you can get damages and compensation for emotional distress if you’ve been treated unfairly or with dishonesty. Under the RFDCPA, creditors are expected to respect the rights of debtors.

The TCPA Prohibits Harassment by Telemarketers

The Federal Communications Commission (FCC) creates regulations that apply to telephone marketers. The Telephone Consumer Protection Act (TCPA) gives the FCC the power to prohibit telemarketer harassment of consumers. The government agency also coordinates a national Do-Not-Call list provided for by the TCPA.

What Is Fullbeauty?

FullBeatuy Brands Operations, LLC, also called Fullbeauty or Beauty Full, was founded in 1901 in New York. It is now owned by Apax Partners. Other stores under the Fullbeauty name include OneStopPlus, Swimsuits for All, Ellos, KingSize, Brylane Home, Catherines, Roman’s, June + Vie, Intimates for All, Active for All, Shoes for All, and Women Within. The retail store offers online and catalog sales of plus size women’s clothing from sizes 12 to 44. They also offer big & tall men’s apparel and home goods items.

Why Is Comenity Bank Contacting Me About My Fullbeauty Credit Card?

Comenity Bank is the owner of Fullbeauty credit lines, including the Full Beauty credit card and Fullbeauty Platinum credit card. The Fullbeauty credit card offers rewards for consumers who use it at participating stores.

If you fall behind on payments to your Fullbeauty credit account, then Comenity Bank may call you to collect on that debt. However, they do not have a right to harass you. Comenity Capital Bank and their debt collection agencies often use unfair and illegal tactics to get money from debtors, and they should be held accountable.

Violations of Consumer Protection Laws by Comenity and Fullbeauty

Full Beauty credit card collectors like Comenity Bank and their collection agencies often violate consumer protection laws. Some of the regulations they often violate include:

• Failure to honor a “Do Not Call” request
• Sending unsolicited advertisements by auto-dialer without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves on a call

These creditors may use “auto-dialers” or “robocallers” to contact debtors. This involves automated voice messages or phone recordings to reach out to consumers who are behind on payments. When the debtor answers, they may be transferred to a live person. However, they will not likely be given an opportunity to opt out of the robocalls. These tactics are illegal, and violations of state and federal laws should be reported to the appropriate government agencies.

How Much Can I Get for a Fullbeauty Credit Card Harassment Case?

If you’ve been harassed by creditors, you may be able to get compensation from Comenity Bank. The exact amount of money you can get for your Fullbeauty credit card harassment case depends on:

• How severely they violated the law
• Number of times they acted illegally
• Your actual damages

You can get up to $1,000 under the FDCPA. This federal law also lets you get money to pay for attorney fees and court costs. California’s RFDCPA also allows you to get money for your debtor harassment case, which may include statutory damages, attorney fees, court costs, and emotional distress. In fact, some California cases for emotional distress have resulted in awards of up to $300,000 for the consumer.

A Fullbeauty Credit Card Harassment Lawyer Is Ready to Help

If Comenity Bank is harassing you, the calls may be coming day and night. You want to make them stop right away. That’s why it’s important to call a debt defense attorney as quickly as possible.

Attorney Paul Mankin knows how to make the calls stop. He can also help you get compensation if your rights have been violated.

Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a consultation of your case.

by Paul Mankin

You Can Stop Harassing Phone Calls About Your Forever 21 Account

Are you past due on your Forever 21 credit card account? If so, you may be receiving debt collection calls from Comenity Bank or one of their third-party agencies. If you ask them to stop and they continue, you may be able to get compensation for their debtor harassment.

Forever 21, Comneity Bank, and their debt collection agencies are known to harass consumers and violate state and federal laws. If you’re receiving repetitive calls from these entities, you should immediately contact Law Office of Paul Mankin, APC. Call our debt defense lawyers at 800-219-3577 to schedule a case consultation.

Attorney Paul Mankin Will Protect Your Rights

Credit card debt can cause significant stress. You don’t need the creditor calling day and night to harass you. There are state and federal laws that protection consumers’ rights, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Debt collectors like Forever 21 and Comenity Bank are not allowed to:

• Use harassing, abusive, or obscene language when they call you
• Threaten you with violence
• Make an unreasonable number of phone calls
• Lie about the legal status of your debt
• Threaten a lawsuit if one is not pending
• Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Inform an unauthorized party about your debt

Despite these laws, Comenity Bank and their third-party collection agencies are known to violate the TCPA, FDCPA, RFDCPA, and other regulations. In fact, the Federal Trade Commission (FTC) reported that consumers make more than 200,000 complaints annually about debt collection tactics and harassment by creditors.

If your rights have been violated regarding your Forever 21 account, you should immediately contact a consumer rights attorney who can provide you with solid legal advice. Attorney Paul Mankin is a trusted negotiator and litigator who will stand up for you. Call 800-219-3577 to schedule a case consultation.

Protecting You Against Harassment with the FDCPA

Attorney Paul Mankin knows how to use the Fair Debt Collection Practices Act (FDCPA) to get compensation for his clients. This law protects consumers against abusive, deceptive, and unfair debt collection practices by creditors like Forever 21 and Comenity Bank. Violations of this law should be reported to the FTC.

California’s RFDCPA Allows You to Get Even More Compensation

California’s consumer protection law, the Rosenthal Fair Debt Collection Practices Act (RFDCPA), focuses on making debt collectors respect the rights of debtors by acting with fairness and honesty. This law allows for damages similar to federal laws; however, it expands the ability to collect money for emotional distress.

The TCPA Prohibits Harassment in Telephone Marketing

In some cases, the Telephone Consumer Protection Act (TCPA) may apply to creditors like Comenity Bank. This federal law prohibits telephone marketers from harassing consumers. The Federal Communications Commission (FCC) has authority under the TCPA to implement regulations regarding telemarketers. It also allows the FCC to coordinate a national Do-Not-Call registry.

What Is Forever 21?

Forever 21 is one of the largest retail stores in the United States. They sell clothing focused on the whole family, including shoes and accessories. Forever 21 has more than 540 locations globally, and consumers can also shop online.

Why Is Comenity Bank Calling Me About My Forever 21 Account?

The Forever 21 credit card, also called Forever Rewarded, is actually a line of credit offered by Comenity Capital Bank, which is part of Bread Financial. When you fall behind on Forever 21 payments, Comenity Bank will try to collect that debt by calling you and sending letters via mail. Comenity Bank may also use third-party collection agencies to collect debts on their behalf.

Comenity Bank and the third-party collectors they use often harass consumers in an attempt to collect a debt. They may continue to call you after you request that they stop, or they may threaten legal action without actually intending on filing a lawsuit. These tactics are illegal, and Comenity Bank may owe you money if they violate your consumer rights.

How Do Comenity Bank and Forever 21 Violate Consumer Protection Laws?

Comenity Bank and Forever 21 are required to comply with state and federal laws when collecting a debt. Even if you are behind on payments, you have rights that should be respected. Some regulations Comenity Bank frequently violates include:

• Failure to honor a “Do Not Call” request
• Sending unsolicited advertisements by auto-dialer without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves on a call

These debt collectors may use “auto-dialers” or “robocallers” to contact you. If you answer the phone and hear a voice message or recorded statement, then it’s likely a robocall. You will not likely be given an opportunity to opt out of those auto-dialed calls. Comenity Bank’s illegal practices are violations of your rights, and they should be held accountable.

Can I Get Money If Comenity Bank and Forever 21 Violated My Rights?

If your rights have been violated by Comenity Bank and Forever 21 credit card, then you may be able to get compensation. The exact value of your case depends on several factors, including:

• Severity of violation of the law
• How many times they have acted illegally
• Your actual damages

You can get up to $1,000 for debtor harassment under the FDCPA. The defendants will also have to pay your attorney fees and court costs under federal law. California’s RFDCPA can help you get even more for emotional distress. Some cases in California have resulted in damages of up to $300,000 for consumers who were harassed by creditors.

Are you worried about how much a debtor defense attorney costs? You won’t have to pay legal fees in a debt harassment lawsuit when you win. Instead, the defendant creditor is required to pay for attorney fees and court costs.

A Forever 21 Credit Card Harassment Lawyer Can Help You

Have you fallen behind on your Forever 21 credit card account? Is Comenity Bank or a third-party collection agency harassing you? You may be able to get compensation for your damages and the stress you’ve endured.

Attorney Paul Mankin can help you make the phone calls and harassment stop. Find out how a debt harassment lawyer can help you get the compensation you need to move forward.

Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation.

by Paul Mankin

Are You Getting Collection Calls From Peebles Credit Card?

Is Peebles credit card calling you about a past due account? Have you asked them to stop but they continue calling your home and work? Peebles and their credit card provider Comenity Bank are known for using illegal debt collection tactics against consumers like you.

You have rights against harassment and unfair treatment by creditors like Peebles and Comenity Bank. If you’re being abused by a collection agency, you should immediately contact Law Office of Paul Mankin, APC. Our debt harassment lawyer will help you stop the calls. Call us at 800-219-3577 for a case consultation.

Your Rights Against Creditor Harassment and Abuse

Being in debt is bad enough. You don’t need the stress caused by repeated calls and harassment by creditors and debt collectors like Comenity Capital Bank and Peebles credit card account. You have rights under the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Creditors who are collecting debts are not allowed to:

• Use harassing, abusive, or obscene language when they call you
• Threaten you with violence
• Make an unreasonable number of phone calls
• Lie about the legal status of your debt
• Threaten a lawsuit if one is not pending
• Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Inform an unauthorized party about your debt

Comenity Capital Bank and other creditors are often sued for violating debtors rights under the TCPA, FDCPA, RFDCPA, and other state and federal regulations. In fact, the Federal Trade Commission (FTC) reported that each year they receive more than 200,000 complaints from consumers about illegal harassment by creditors.

If you’ve been treated unfairly because of your past due Peebles credit card account or any other debt situation, then you should contact a debtor defense attorney right away. Attorney Paul Mankin will protect your rights. Call today at 800-219-3577 to schedule a consultation of your case.

Debtor Protections Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects debtors who owe money to creditors. It prohibits abusive, deceptive, and unfair collection practices. Violations of the FDCPA by Peebles or Comenity Bank should be reported to the FTC. You may be able to collect compensation under the FDCPA if you’ve been treated unfairly.

California Protects Debtors Against Unfair Treatment

 The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California law that protects debtors in the state against unfair collection practices. It requires creditors to treat debtors with fairness and honesty, while respecting their consumer rights. The RFDCPA also allows debtors who have been treated poorly to collect compensation. However, it expands damages to allow for emotional distress.

The TCPA Requires Compliance of Telemarketers

The Telephone Consumer Protection Act (TCPA) also protects consumer rights in a different way. It allows the Federal Communications Commission (FCC) to make regulations controlling telephone marketer actions, including Peebles credit card and Comenity Bank. The FCC may also coordinate a national Do-Not-Call registry that consumers can join.

What Is Peebles?

Peebles is a retail department store that was founded in 1891. It is now owned by Stage Stores, Inc. The company has more than 125 stores located mainly in the easter and upper-midwestern United States. It offers trendy clothing for the whole family, as well as accessories, beauty supplies, footwear, and housewares.

In 2020, Peebles filed for Chapter 11 bankruptcy. It announced that it would liquidate all stores. However, the Peebles website indicates that the store is “coming back – bigger and better than ever!”

Comenity Bank Owns Peebles Credit Card Accounts

Although you may think you have a credit card from Peebles, the credit line is actually owned and managed by Comenity Capital Bank. If you fall behind on payments, Comenity or its third-party collection agencies will call you to try to collect on the debt.

Comenity Bank does not have a right to harass you even if you owe them a debt. If they violate your rights by using illegal debt collection tactics, they can be held accountable. You may be able to get compensation for your damages, including the stress they make you endure.

Common Violations of Consumer Rights by Comenity Bank and Peebles

Debt collectors like Comenity Bank often violate consumer rights while trying to recover debts. Their management of Peebles credit card accounts is no different. They often violate state and federal laws in the following ways:

• Failure to honor a “Do Not Call” request
• Sending unsolicited advertisements by auto-dialer without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves on a call

Comenity Bank and other debt collectors also use “auto-dialers” or “robocalls” to contact consumers. A robocall typically begins with an automated message or voice recording. You may then be transferred to a live person. However, you won’t likely be given an opportunity to opt out of these auto calls. These debt collection tactics are illegal and should be reported to state and federal government agencies that protect consumer rights.

How Much Money Can I Get for My Peebles Credit Card Harassment Case?

If you are harassed by a debt collector like Comenity Capital Bank, then you can collect compensation for your damages. However, the exact amount you can get depends on several factors, including:

• How severely they violated the law
• Number of times they acted illegally
• Your actual damages

Under the FDCPA, you can get up to $1,000 in statutory damages. You can also get money for attorney fees and court costs. California’s RFDCPA allows consumers to get compensation as well. However, you can get even more money for emotional distress. In some California cases, consumers have received up to $300,000 for emotional distress.

A Peebles Credit Card Harassment Lawyer Can Help You

Harassment by creditors can cause many problems in your life. You may be facing embarrassment if others find out you owe debt, and your stress level is likely through the roof. Don’t let collectors like Comenity Bank and Peebles credit card continue to abuse you.

Attorney Paul Mankin can help you get the compensation you deserve if you’ve been harassed. He can help you move forward with life.

Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a consultation of your c

by Paul Mankin

Make the Harassing Collection Calls from Loft Credit Card Stop

Are you receiving debt collection calls from Loft credit card? Have you asked them to stop, but they continue? You have rights that Loft and their credit card account owner Comenity Bank may be violating. If they are harassing you, you can get compensation for your damages.

Comenity Bank often uses abusive tactics to collect debts on behalf of the Loft credit card. If they’ve harassed you, you should immediately contact a debt defense lawyer at Law Office of Paul Mankin, APC. We will make the calls stop. Call us at 800-219-3577 for a case consultation.

Consumer Laws that Protect Creditors Against Harassment

There are many types of debt collector harassment. They often use abuse and unfair treatment to force consumers to pay their debts. However, even if you’re behind on payments, you have rights under the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Under these state and federal laws, Comenity Bank and Loft credit card cannot:

• Use harassing, abusive, or obscene language when they call you
• Threaten you with violence
• Make an unreasonable number of phone calls
• Lie about the legal status of your debt
• Threaten a lawsuit if one is not pending
• Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Inform an unauthorized party about your debt

Despite the laws prohibiting unfair treatment of debtors, creditors like Comenity Bank have been sued many times for violating the TCPA, FDCPA, RFDCPA, and other regulations. In fact, the Federal Trade Commission (FTC) indicates that they receive more than 200,000 complaints annually about harassment by creditors.

If your consumer rights have been violated by Comenity Bank, Loft, or another creditor, then you should immediately contact a debt harassment attorney who can protect you. Call attorney Paul Mankin at 800-219-3577 to talk to a legal professional who can help.

The FDCPA – Protecting Your Consumer Rights

The federal government protects debtors’ rights with the Federal Debt Collection Practices Act (FDCPA). It allows consumers who have been harassed by debtors to collect compensation for abusive, deceptive, and unfair treatment. Violations of this law by Loft or Comenity Bank should be reported to the FTC.

The RFDCPA – California’s Consumer Rights Law

California also has laws that protect consumers, including the Rosenthal Fair Debt Collection Practices Act (RFDCPA). It requires creditors to treat debtors with respect, fairness, and honesty. Violations of the law may be required to pay compensation to consumers. The RFDCPA also allows for damages for emotional distress.

The TCPA – Controlling the Actions of Telemarketers

The Federal Communications Commission (FCC) makes regulations under the Telephone Consumer Protection Act (TCPA). Those laws make it illegal for telephone marketers like Comenity Bank and Loft to harass consumers. The FCC also organizes the national Do-Not-Call list, which telemarketers must comply with.

What Is Loft?

Loft is a women’s clothing retail store that is owned by Ascena, which is a national specialty retailer. Ascena also owns Ann Taylor, Cacique, and Lane Bryant brands. Loft sells clothing catered to feminine individuals, including pants, sweaters, tops, jeans, accessories, and shoes. There are more than 500 Loft stores nationwide.

Why Is Comenity Bank Calling About My Loft Credit Card?

Comenity Bank owns and manages Loft credit cards. These credit cards are not actually managed by Loft or Ascena at all. There are multiple Loft credit cards available, including:

• ALL-Rewards credit card
• ALL Rewards Mastercard

Both cards allow consumers to purchase clothing from Loft and build rewards points at the same time. The ALL Rewards Mastercard offers extra perks.

If you fall behind on payments, Comenity Bank or one of their third-party collection agencies will contact you in an attempt to collect the debt. They often use harassment and violate state and federal laws.

Violations of Consumer Protection Laws by Loft and Comenity Bank

Comenity Bank frequently violates consumer protection laws when it is collecting debts for Loft credit cards. These actions are illegal, and they should be held accountable. Sone of the state and federal regulations they often violate include:

• Failure to honor a “Do Not Call” request
• Sending unsolicited advertisements by auto-dialer without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves on a call

Comenity Bank and other debt collectors also tend to use “auto-dialers” or “robocallers” to contact debtors. This includes a recorded voice message or automated message, and then you may be transferred to a live person. You are not typically given a chance to opt-out of those calls. This practice is illegal and should be reported.

How Much Is My Loft Credit Card Harassment Case Worth?

Debtor harassment cases can be worth a significant amount of money in California. However, the exact amount of money you can get depends on several factors, including:

• How severely they violated the law
• Number of times they acted illegally
• Your actual damages

Federal laws like the FDCPA allow you to get up to $1,000 in statutory damages as well as attorney fees and court costs. However, you can get much more under California’s RFDCPA. The RFDCPA allows consumers to get money for emotional distress. In fact, in some cases, consumers have gotten as much as $300,000 in consumer harassment cases in California.

Do I Need a Lawyer for My Loft Credit Card Harassment Case?

While you are not required to get legal advice from a professional for your credit card harassment case, we do not suggest you handle these complex issues on your own. Comenity Bank has a team of lawyers who will do everything possible to take advantage of you.

Attorney Paul Mankin has fought to protect the rights of clients who have been harassed by creditors like Comenity Bank and Loft credit card. He will be there for you.

Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation.

by Paul Mankin

Are You Being Harassed About Your Ulta Credit Card Account?

Do you have an Ulta (Ultimate Rewards) credit card that is past due? Is Comenity Bank calling and harassing you to collect that debt? You have rights under state and federal laws that protect you from those illegal creditor tactics.

Ulta, Comenity Bank, and their third-party debt collection agencies are known to harass consumers like you. They think you won’t do anything to protect yourself. Don’t let them take advantage of you and violate your rights. Contact Law Office of Paul Mankin, APC and let our debt defense lawyers put a stop to the harassment for good. Call us at 800-219-3577 for a case consultation.

State and Federal Laws Give You Rights Against Creditor Harassment

Debt collector harassment can take many forms. Their abuse and unfair treatment causes stress that you don’t need when you’re in debt. State and federal laws protect consumers’ rights, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Creditors like Ulta and Comenity Capital Bank cannot:

• Use harassing, abusive, or obscene language when they call you
• Threaten you with violence
• Make an unreasonable number of phone calls
• Lie about the legal status of your debt
• Threaten a lawsuit if one is not pending
• Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Inform an unauthorized party about your debt

Comenity Bank and other creditors have been sued many times for violating the TCPA, FDCPA, RFDCPA, and other regulations. Despite that, the Federal Trade Commission (FTC) indicated that there are more than 200,000 complaints annually of debt collection harassment by creditors.

If you feel any of your consumer rights have been violated, you should immediately contact a debt harassment lawyer right away. You have rights even if you’re behind on your Ulta account. Call attorney Paul Mankin today at 800-219-3577 to schedule a case consultation.

How Does the FDCPA Protect My Rights?

The Fair Debt Collection Practices Act (FDCPA) protects consumers against abusive, deceptive, and unfair collection practices by creditors. Violations of this law by Ulta Beauty or Comenity Capital Bank should be reported to the FTC. This law also allows debtors who are harassed to collect compensation for their damages.

How Do California State Laws Protect My Consumer Rights?

California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) is much like federal consumer protection laws. It works to force debt collectors to respect the rights of debtors and act with fairness and honesty. Creditors who violate the RFDCPA may be required to pay compensation to consumers, including statutory damages as well as emotional distress.

Telephone Marketers Must Obey the TCPA

The Telephone Consumer Protection Act (TCPA) allows the Federal Communications Commission (FCC) to make regulations that apply to telephone marketers. Telemarketers, which may include Comenity Bank and Ulta, may not harass consumers. The FCC also coordinates a national Do-Not-Call registry under the TCPA.

What Is Ulta Beauty?

Ulta Beauty, Inc. is an American beauty and cosmetics retail store based on Bolingbrook, Illinois. They have more than 1,200 locations throughout the United States, as well as an online presence. Ulta sells many name brand products, including makeup, nail care, skin care, hair accessories, fragrance, bath and body, and men’s collections. The store also has a store brand called the Ulta Beauty Collection.

Why Is Comenity Bank Calling Me About My Ulta Credit Card?

Ulta Beauty credit cards are actually lines of credit offered by Comenity Capital Bank. There are multiple Ulta credit cards, including:

• Ulta Ultimate Rewards Card
• Ulta MasterCard
• Ulta World MasterCard

One of the main benefits of having an Ulta credit card is that consumers get rewards points for every dollar spent.

Since Comenity Bank owns these accounts, they will call consumers who fall behind on credit card payments. However, they do not have a right to harass you, even if you have missed a payment. Comenity Bank often uses illegal tactics in an attempt to collect debt, and they should be held accountable.

How Do Ulta Beauty and Comenity Bank Violate Consumer Protection Laws?

Comenity Bank often uses third-party collection agencies to recover debts for Ulta Beauty credit cards. These entities frequently violate state and federal protection laws. Some of the regulations they frequently violate include:

• Failure to honor a “Do Not Call” request
• Sending unsolicited advertisements by auto-dialer without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves on a call

Many debt collectors like Comenity Bank and third-party agencies use “auto-dialers” or “robocallers” to contact consumers. They use recorded statements or voice messages to get a person on the phone and then transfer them to a live person when the consumer responds. In most cases, you will not be given the opportunity to opt out of these robocalls. These actions are illegal and should be reported as violations of state and federal regulations.

How Much Is My Ulta Credit Card Harassment Case Worth?

You might be wondering how much money you can get if you’ve been harassed by a debt collector like Comenity Bank or Ulta Beauty. The exact amount depends on several factors, including:

• How severely they violated the law
• Number of times they acted illegally
• Your actual damages

The FDCPA allows you to collect up to $1,000 in compensation for debtor harassment, as well as additional money for attorney fees and court costs. However, California’s RFDCPA may allow you to get more money for damages like emotional distress. Some California consumers have been awarded up to $300,000 for the distress creditors put them through.

An Ulta Credit Card Harassment Lawyer Can Help You

Falling behind on your Ulta credit card payments wasn’t the plan, and now you’re being harassed by Comenity Bank. Don’t let them continue to abuse you. You can file a debt harassment lawsuit and get compensation for your damages.

Attorney Paul Mankin can help you make the calls stop. Learn how a credit card harassment lawyer can help you move forward with life.

Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation.